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Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.


Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.

What our customers say about us...

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Michael Bernstein

March 5, 2025

3  out of  5
rating by Michael Bernstein
"Update 3/5/25: In the past, Mr. Karas was very polite, friendly, understanding, and professional. He understandably was having a bad day, but. that didn't justify how I was treated. If you sign up with Mr. Karas, YOU WILL MOST LIKELY GET GREAT CUSTOMER SERVICE that he prides himself on, just understand that he sometimes fails in this objective and my review is my experience that I had. I do feel he should've taken responsibility for how he acted and apologized, but that didn't happen. If he had, I would've pulled this review. My opinion is my own and yes, I did find a different agent. --- Phone problems should never, EVER be an excuse to be rude to a customer. NEVER. --------- Mr. Karras called me back and was SUPER RU To be honest I was shocked. Mr. Karras has always, always been helpful and professionaDE TO ME! He should NEVER TALK TO CUSTOMERS THIS WAY. There is no excuse for this. VERY UNPROFESSIONAL!!!! --------- Whenever I call the local number, I get placed into an unnecessarily complicated phone tree. When I finally speak to someone in the national call center, they route me back into the phone tree in an endless loop. When I asked someone from the national call center to conference me in, even they couldn't contact Nick Karras's office. This is very troubling when you consider that this is an insurance agency who is expected to deal with emergencies in the event of a disaster. As a client, this concerns me. What if I am in such a situation and I can't get the help I need with my claim? Not good. Not good at all."
We responded:
"Michael, I have never been rude to a customer in 20+ years of doing this and I was NOT rude to you. Maybe you confusing my explanation that as a small business owner, I take reviews very seriously and they affect my business. To put this in context, our phones were down from 11:30 am to 3:30 pm and in that time you didn't even give me the common courtesy to respond to you via email. You then wrote a 1 star negative review for a situation that was beyond my control . Regardless I am very glad you took my advice and moved your business to another agent that may be better suited to your personality and unreasonable expectations. Good luck! ____________ Original response to your original review: Michael, I just saw your message . Obviously we are having a phone problem today which is a first and having difficulty switching off the routing line. We are calling you right now. No reason you should have left such a nasty review as this was a first for me. I would hope that a reasonable person would underdstand that this was beyond my control and we are working on the phones as I am writing to you. My team memembr is calling you now as I just received your email. "
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Anthony DiPasquale

December 29, 2024

5  out of  5
rating by Anthony DiPasquale
"What a fantastic experience I just had with Nick Karras State Farm Agency. I recently insured my autos, home, life and umbrella with his agency. He took the time to listen to all of my needs and recommended products to best protect my family at a very reasonable price. It was such a smooth and seamless process. Every time I have reached out to his office, I was immediately put in contact with Nick or his team. Whenever I call, he or his team answer the phone and you speak with a live person rather than being forced into a phone que or chat bot. I have referred a few friends and family to Nick and they all had similar experiences. Thank you Nick Karras for such great service and great price."
We responded:
"Anthony, thank you for the review and the kind things that you have said. It has been a pleasure to work with you and provide the products to best fit your needs. Please don't hesitate to reach out to me directly if you have any further questions. All the best! Nick "
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Natalia Fisher

October 22, 2024

5  out of  5
rating by Natalia Fisher
"Helped me with life, renters and auto insurance. Service was great and explained everything really clearly which made the whole process seamless. Definitely recommend."
We responded:
"Thanks Talia ! I’m glad to have helped with all your insurance needs. Thanks for choosing Nick Karras State Farm. "
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jennifer miranowic

January 24, 2024

5  out of  5
rating by jennifer miranowic
"Shelly was very thorough and professional during the quote process. Very friendly and upbeat."
We responded:
"Thanks Jennifer for trusting in us. We look forward to our continued relationship. "
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Sana Allan

January 19, 2024

5  out of  5
rating by Sana Allan
"Nancy is one of the best agent with the greatest customer service & professionalism She’s very nice and helpful and a beautiful smile"
We responded:
"Thank you! Nancy has been with our Agency for 10 years and always does a great job looking out for the best interest of our customers. Thanks you for taking the time to provide feedback. "
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Emily Rappisi

January 17, 2024

5  out of  5
rating by Emily Rappisi
"Nick has demonstrated exceptional expertise, providing invaluable assistance and guidance throughout this process. His dedication to understanding your needs and crafting tailored insurance solutions made him an invaluable ally in securing optimal coverage!"
We responded:
"I am glad we were able to help you. I look forward to our continued relationship and appreciate your trust in my Agency. Thanks for the kind words. "
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Karen Rockafellow

January 17, 2024

5  out of  5
rating by Karen Rockafellow
"Nick was so helpful and patient with all of my questions and concerns. Thank you, Nick!"
We responded:
"It was a pleasure helping you and I look forward to our continued relationship. Thanks for trusting my Nick Karras Woodbridge NJ Agency with all of your insurance needs. "
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Kelsey Guthrie

January 17, 2024

5  out of  5
rating by Kelsey Guthrie
"Nick was fantastic ! I needed to have my insurance adjusted and he took the time to understand my situation and help find the best solution. Absolutely recommend !!"
We responded:
"Thank you for the kind words Kelsey! It was a pleasure to help you with your auto insurance and home insurance. Thanks for chosing my agency in Woodbridge NJ. "
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Joseph Cross

November 29, 2023

5  out of  5
rating by Joseph Cross
"We had a wonderful experience dealing with Shelly-- I mean, she made it so easy when my previous homeowner's insurance was a complete and total disaster. She's ahead of the game because when I simply called her back to complete the transition, she said she'd already done everything for us...what a relief!!! Nice personalities at their office, judging from when I initially called. Only thing is, I wish I called here sooner. Thanks again - Luz & Michelle"
We responded:
"Thank you Christina for taking the time to acknowledge Shelly and my Agency. We look forward to building on our relationship and providing you with all your insurance needs. Thanks again! "
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Shoumo Ganguly

October 12, 2023

5  out of  5
rating by Shoumo Ganguly
"I reached out to Nick when my earlier insurance carrier hiked up the premium by 320% Nick showed very high levels of empathy and went into the weeds with me. I was able to figure out factors that would increase my premium and at what point I could expect the rates to go down. He gave me some quotes which were way lower than what my then existing carrier was charging. I was happy to switch to State Farm because of the guidance provided by Nick. There were some hiccups in the transition and some inefficiencies in the process, but those were beyond Nick's control. Given my experience with him, I would totally recommend Nick to my friends, acquaintances, and family to him - whether they are happy with State Farm is another issue :-) This review is meant to be an endorsement of my experience with Nick Karras :-)"
We responded:
"Thanks for the kind words ! And thanks for trusting me with your auto insurance and renters insurance. I look forward to our continued relationship. Nick Karras Woodbridge State Farm"
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Michael Anthony

June 19, 2023

5  out of  5
rating by Michael Anthony
"The Best, easiest and most affordable Renters insurance policy done by Rochelle. Highly recommend."
We responded:
"Thank you Tracy appreciate the review. Keep us in mind for all your auto / home/ business and life insurance needs! "
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Brad Oldham

February 1, 2023

5  out of  5
rating by Brad Oldham
"Nick has been our insurance agent for the last several years and has been really great to work with. Super friendly with a great attitude. Gets back to us in an incredibly timely fashion and always very helpful with advice. Would highly recommend him for your insurance needs."
We responded:
"Thanks for the kind words Brad! Its been a pleasure handling your insurance needs. Glad to be your Agent! "
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james blackford

January 31, 2023

5  out of  5
rating by james blackford
"Best insurance team"
We responded:
"Thanks Jim it’s been a pleasure serving you over the past 20 years! "
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Beth McCraney

January 18, 2023

5  out of  5
rating by Beth McCraney
"Shelley is so friendly and knowledgeable! She was very helpful and addressed all of our questions and concerns in detail. She helped us get a great deal on auto insurance. I’d highly recommend her to anyone looking for insurance!"
We responded:
"Thank you Beth ! We appreciate your business and am glad you chose our Agency. There is a lot of choice out there and I am so happy we could help you. I look forward to our continued relationship. "
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Lauren Dinnebeil

January 7, 2023

5  out of  5
rating by Lauren Dinnebeil
"I worked with Nick to get home & flood insurance and he was very responsive and thorough. With this being my first time purchasing a home and insurance, I really appreciated his patience and the time he took to explain everything in detail. Thank you very much, Nick!!"
We responded:
"Thanks Lauren it was great working with you both. I look forward to our continued relationship. Thanks again for choosing me as your Agent."
Profile photo of Kavitha Ramakrishnan

Kavitha Ramakrishnan

December 27, 2022

5  out of  5
rating by Kavitha Ramakrishnan
"I worked with Nancy to get my home & auto insurance; she was available anytime i had questions and responded super fast with the best plan that would suit my budget"
We responded:
"Kavitha, thank you for taking the time to write a review. Nancy has been an important part of my Agency for the past 10 years and is always doing her best for our policyholders. We appreciate your business and look forward to our continued relationship. Please call us at any time. "
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Carol R.

November 16, 2022

5  out of  5
rating by Carol R.
"I am very pleased with this insurance agency. Nick and Shelly are always available on the phone to answer all of my questions, in a professional and courteous manner. I have been a happy costumer for years and will continue with their services. I will definitely recommended them."
We responded:
"Thanks Carol for the kind words. It has been a pleasure serving you for all these years. "
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Kathy Mellish

November 1, 2022

5  out of  5
rating by Kathy Mellish
"Nancy was very informative and helpful in obtaining rental insurance for me that my complex now requires. I would give her 10 stars!!"
We responded:
"Kathy, thank you for the review. You have been a long tome policyholder and we appreciate your business. I am so glad that Nancy was able to help you. "
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Fabricia Bueno

October 14, 2022

3  out of  5
rating by Fabricia Bueno
"IT'S OK. Just asked about the financial bank. No longer in business."
We responded:
"HI Fabricia, you just left this review. I am not too sure what you are referring to. If you would like please reach out to me and I can discuss. Regards! Nick 732-634-8844"
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Maribel Ottenwalder

April 29, 2022

5  out of  5
rating by Maribel Ottenwalder
"Nancy Maldonado is the best. She’s professional at what she does, very helpful, and honest. She’s always available to help me out and make me feel comfortable talking to her. If I can give her more than 5 Stars I will."
We responded:
"Maribel, thank you so much for the wonderful review! We look forward to working with you throughout the year. Please call us if you need anything."
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Martina Ducret

February 21, 2022

5  out of  5
rating by Martina Ducret
"I'd highly recommend Shelly to anybody looking for auto or home insurance. She helped me bundle both and get an amazing discount! Thank you Shelly for all your help!"
We responded:
"Thank you Martina for being a valued customer. Please call us if you need anything. Looking forward to continuing our relationship."
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Efrat S

February 11, 2022

5  out of  5
rating by Efrat S
"Listens, Quick, Easy... Cheaper insurance from a top ten insurer! Nancy Maldonado was receptive and attentive. Good service!"
We responded:
"Thanks so much for the review. We look forward to working with you in the future. Please reach out if you need anything."
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Kathy D

February 11, 2022

4  out of  5
rating by Kathy D
"Shelly was great - thanks for saving me big bucks. :D"
We responded:
"Thanks for the taking the time to write a review. Appreciate your business and please call us if you ever need anything."
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Roger Cruz

January 25, 2022

5  out of  5
rating by Roger Cruz
"I was very pleased with the service and the experience with Shelly today getting my auto and renter’s insurance . I highly recommend her to anyone looking for a new insurance . She made the process look nice and easy . I’m very thankful ."
We responded:
"Thank you Roger for the time to writ this review. We appreciate your business and look forward to building upon our relationship. Please don't hesitate to call, email, or text if you ever need anything."
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Joe Bukofsky

November 11, 2021

5  out of  5
rating by Joe Bukofsky
"Called this agent and Shelly took care of me today to get Auto and Home policy. It was a smooth transition to change over cause of her professional ability. To set up payments and all other related issues. A BIG Thanks to Shelly 👍👍👍"
We responded:
"Joe it was a pleasure working with you also, we appreciate your business & thank you for kind words :)"